| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTHWESTERN BEN CORP OF GA3 | UNKNOWN SUITE 1100 ATLANTA, GA 30326 | ONEAMERICA | $26K | $0 | $26K | 8.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SREVICES, LLC | UNKNOWN 4TH FLOOR PHILADELPHIA, PA 19113 | ONEAMERICA | $17K | $0 | $17K | 5.95% |
| NORTHWESTERN BEN CORP OF GA3 | 950 EAST PACES FERRY ROAD SUITE 2 ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD GA | $39K | $3K | $42K | 18.39% |
| NORTHWESTERN BEN CORP OF GA3 | 3438 PEACHTREE ROAD ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD GA | $1K | $0 | $1K | 0.64% |
| NORTHWESTERN BEN CORP OF GA3 | 3438 PEACHTREE ROAD NE ATLANTA, GA 30326 | COLONIAL LIFE | $12K | $0 | $12K | 11.46% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFTIS, INC. | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE | $4K | $2K | $5K | 5.37% |
| TYLER HERRINGTON TORBETT3 | 3604 ROBINSON WALK DRIVE MARIETTA, GA 30068 | COLONIAL LIFE | $3K | $2K | $5K | 5.26% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS, INC. & VRS AGENTS | 3730 EVEREST DRIVE MONTOMERY, AL 36106 | COLONIAL LIFE | $4K | $900 | $5K | 4.81% |
| MJ INSURANCE3 Filed as: C ADAMS VOLK AND VARIOUS AGENTS | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE | $2K | $770 | $2K | 2.38% |
| EMILY PORRECA3 | 146 WINDFIELDS LANE WOODSTOCK, GA 30188 | COLONIAL LIFE | $844 | $0 | $844 | 0.83% |
| C ADAMS VOLK3 | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE | $589 | $129 | $718 | 0.71% |
| CHRISTIAN ANTHONY MALDONADO3 | 1745 HUNTINGTON HILL TRACE NE BUFORD, GA 30519 | COLONIAL LIFE | $591 | $6 | $597 | 0.59% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS, INC. | 3730 EVEREST DRIVE MONTOMERY, AL 36106 | COLONIAL LIFE | $427 | $49 | $476 | 0.47% |
| MITCHELL HECTOR MORALES3 | 4679 SCORE COURT SNELLVILLE, GA 30039 | COLONIAL LIFE | $307 | $19 | $326 | 0.32% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 659 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD GA | 874 | $228K |
| Vision | BLUE CROSS BLUE SHIELD GA | 874 | $228K |
| Life insurance | ONEAMERICA | 659 | $294K |
| Short-term disability | ONEAMERICA | 659 | $294K |
| Long-term disability | ONEAMERICA | 659 | $294K |
| Other(2 contracts, 2 carriers) | ONEAMERICA | 659 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 874 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.